Overdraft Protection Options

Eligible checking accounts are automatically enrolled in the Bank’s Courtesy Overdraft Privilege (COP) service. Unless you choose to decline this service, the Bank may, at our sole discretion, pay eligible transactions that will overdraw your account when your account meets certain criteria.  
 
Unless you authorize us to do so, COP does not cover ATM and everyday debit card transactions. If you want the Bank to authorize and pay overdrafts on ATM and everyday debit card transactions, or revoke prior authorization, you may:

• Complete and electronically sign this form, or
• Visit any of our local offices.

If a transaction item is covered by COP, you will be assessed a $36 Overdraft Paid Item Fee.  We limit the combined number of Overdraft Paid Item Fees to five (5) items per day.
 
Please review the Courtesy Overdraft Privilege Personal Account Disclosure for important additional information, including account eligibility criteria, eligible transactions, and declining COP service.  
 
There are alternatives to COP, which may be more affordable, including lines of credit (subject to credit approval) and overdraft sweep arrangements.

Overdraft Line of Credit³
An overdraft line of credit is an unsecured line of credit, with a limit of $1,000 – $4,999, for the purpose of overdraft protection for any SouthState personal checking account. It’s like giving yourself a loan when you need it most.

How It Works:
Once your checking account balance is below $0, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount. To apply for an Overdraft Line of Credit, or increase your current limit, simply contact your local SouthState Banker.

Simply by writing a check from a deposit account or using your debit card, you can advance funds from your line of credit to cover unexpected expenses.

Personal Line of Credit⁴:
A personal line of credit is a revolving line of credit from $5,000 – $50,000, which allows you the flexibility and convenience to fund emergency needs. If you overdraw your account, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount.

How It Works:
You can easily access your personal line of credit through checks, Online and Mobile Banking transfers, by phone or in-branch.